Bank Islam Integrated Annual Report 2020
82 Management Di scuss ion and Anal ys i s Value Creat ion at Bank I s lam Sus ta inabi l i t y Repor t COMMERCIAL BANKING BUSINESS REVIEW Sustainable Prosperity ĀɨɁȴɁɽlj ɨljɰɥɁȶɰȈƹȢlj ɥɨƃƺɽȈƺljɰ ƃȶǁ ɰɁȢʍɽȈɁȶɰ ʥȈɽȃ ljȴɥȃƃɰȈɰ Ɂȶ ȴƃȈȶɰɽɨljƃȴȈȶǼ ɰʍɰɽƃȈȶƃƹȢlj ǹȈȶƃȶƺȈȶǼ • yɁƺʍɰ Ɂȶ Ǽɨljljȶ ɽljƺȃȶɁȢɁǼȈljɰ ɰʍƺȃ ƃɰ ɰɁȢƃɨ ǹƃɨȴ ƃȶǁ ɨljȶljʥƃƹȢlj ljȶljɨǼʰ ɰɁȢʍɽȈɁȶɰ ɽɁ ɰʍɥɥɁɨɽ ǼɁʤljɨȶȴljȶɽ ȈȶȈɽȈƃɽȈʤljɰ ƃɰ ʥljȢȢ ƃɰ ɽȃlj ȶƃɽȈɁȶƃȢ ɽƃɨǼljɽɰ Ɂȶ ǼɨljljȶӸȃɁʍɰljӸǼƃɰ ӯ{{Ӱ ɨljǁʍƺɽȈɁȶɰ ƃȶǁ ɽȃlj ƃǼljȶǁƃ ɽɁ ɰȃƃɥlj ƃ ɰʍɰɽƃȈȶƃƹȢlj ǹʍɽʍɨlj • yɁƺʍɰ Ɂȶ ʥƃɰɽlj ȴƃȶƃǼljȴljȶɽ ɥɨɁȚljƺɽɰ ɰʍƺȃ ƃɰ ɨljƺʰƺȢȈȶǼ ƃȶǁ ʥƃɰɽlj ɽɨljƃɽȴljȶɽӗ ƃǼƃȈȶ ɽɁ ɰʍɥɥɁɨɽ ɽȃlj ǼɁʤljɨȶȴljȶɽԇɰ ɥȢƃȶɰ Ɂȶ ƺȈɨƺʍȢƃɨ ljƺɁȶɁȴʰ ɰɁȢʍɽȈɁȶɰ • ĄÃѴѼѴӝѻ ȴȈȢȢȈɁȶ ʥƃɰ ƃɥɥɨɁʤljǁ ǹɁɨ Ǽɨljljȶ ǹȈȶƃȶƺȈȶǼ Ȉȶ ɨljȈȶǹɁɨƺȈȶǼ Ɂʍɨ ƺɁȴȴȈɽȴljȶɽ ɽɁ ɰʍɰɽƃȈȶƃƹȈȢȈɽʰ Customer-Centricity 9ɨȈǁǼlj ƃȶǁ ɰɽɨljȶǼɽȃljȶ ƺʍɰɽɁȴljɨ ɨljȢƃɽȈɁȶɰȃȈɥɰ ɽȃɨɁʍǼȃ ǁljljɥljɨ ljȶǼƃǼljȴljȶɽ ʥȈɽȃ ɽȃlj ɰɽƃȟljȃɁȢǁljɨɰ • KȶǼƃǼljǁ ʥȈɽȃ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ Ɂȶ ɽȃljȈɨ ǹȈȶƃȶƺȈȶǼ ȶljljǁɰ ӯljɰɥljƺȈƃȢȢʰ ɽɁ ȴȈɽȈǼƃɽlj ʤƃɨȈɁʍɰ Ȉȴɥƃƺɽɰ Ɂǹ ɽȃlj ɥƃȶǁljȴȈƺӰӝ AʍɨȈȶǼ ɽȃlj ʰljƃɨӗ ʥlj ƃɥɥɨɁʤljǁ ĄÃѴӝѸѵ ƹȈȢȢȈɁȶ Ȉȶ ƃǁǁȈɽȈɁȶƃȢ ǹȈȶƃȶƺȈȶǼ ɽɁ Ɂʍɨ ljʯȈɰɽȈȶǼ ƺʍɰɽɁȴljɨɰ • KɰɽƃƹȢȈɰȃljǁ ƃ ǁljǁȈƺƃɽljǁ ʍȶȈɽ ɽɁ ǹɁƺʍɰ Ɂȶ ǹljljӸƹƃɰljǁ ȈȶƺɁȴlj ɽȃƃɽ ȈȶƺȢʍǁljǁ ȴɁȶȈɽɁɨȈȶǼ ƃȶǁ ǼɨɁʥȈȶǼ ǹljljӸƹƃɰljǁ ƹʍɰȈȶljɰɰljɰӝ ȶ ѵѳѵѳӗ Ɂʍɨ ǹljljӸƹƃɰljǁ ȈȶƺɁȴlj ʥƃɰ ɨljƺɁɨǁljǁ ƃɽ ĄÃѵѴӝѺ ȴȈȢȢȈɁȶ ƃǼƃȈȶɰɽ ɽȃlj ƃȢȢɁƺƃɽljǁ ƹʍǁǼljɽ Ɂǹ ĄÃѴѻ ȴȈȢȢȈɁȶ • Kȶȃƃȶƺljǁ ƹʍɰȈȶljɰɰ ƃȶǁ ljʯɥɁɰʍɨlj Ȉȶ Kƃɰɽ ÃƃȢƃʰɰȈƃ ɨljǼȈɁȶӗ ʥȈɽȃ ǹɁƺʍɰ Ɂȶ ǼɨɁʥȈȶǼ Ɂʍɨ ƃɰɰljɽ ʤƃȢʍljӝ ɰ ƃɽ ѶѴ Aljƺljȴƹljɨ ѵѳѵѳӗ Ɂʍɨ ƃɰɰljɽɰ ʍȶǁljɨ Kƃɰɽ ÃƃȢƃʰɰȈƃ Ǽɨljʥ ƹʰ ĄÃѴѼѻӝѻ ȴȈȢȢȈɁȶ ӯԸѴѹѹՐӰ Real Economy :ƃɽƃȢʰɰlj ɽȃlj ǁljʤljȢɁɥȴljȶɽ Ɂǹ ɽȃlj ƺɨȈɽȈƺƃȢ ȴƃɰɰ Ɂǹ ČÃKɰ ӵ ɽȃlj ƹƃƺȟƹɁȶlj Ɂǹ Ɂʍɨ ɨljƃȢ ljƺɁȶɁȴʰ • :ɁȶɽȈȶʍljǁ ɽɁ ɥɨɁȴɁɽlj ɽȃlj ljʯȈɰɽȈȶǼ řljȶǁɁɨ yȈȶƃȶƺȈȶǼ ĀɨɁǼɨƃȴȴlj ӯřyĀӰӗ ƺɁʤljɨȈȶǼ ČÃKɰ Ȉȶ ɽȃlj ɰʍɥɥȢʰ ƺȃƃȈȶ Ɂǹ Ɂʍɨ ƺɁɨɥɁɨƃɽlj ƺʍɰɽɁȴljɨɰӝ AʍɨȈȶǼ ɽȃlj ʰljƃɨӗ ʥlj ȃƃʤlj ƃɥɥɨɁʤljǁ ƃ ɽɁɽƃȢ Ɂǹ ĄÃѴѻѹӝѺ ȴȈȢȢȈɁȶ ɽɁ ѷѴ ʤljȶǁɁɨɰ ʍȶǁljɨ ɽȃlj ɥɨɁǼɨƃȴȴlj • ¸ljʤljɨƃǼljǁ Ɂȶ Č°ĀĀ {ʍƃɨƃȶɽljlj Čƺȃljȴlj ɽɁ ǼɨɁʥ ɽȃlj ČÃK ɰljǼȴljȶɽӝ ȶ ѵѳѵѳӗ ʥlj ȃƃʤlj ƃɥɥɨɁʤljǁ ƃ ɽɁɽƃȢ Ɂǹ ĄÃѵѹѸӝѼ ȴȈȢȢȈɁȶ Ȉȶ ǹȈȶƃȶƺȈȶǼ ɽɁ ѴѶѸ ČÃKɰ Digitalisation ÝɥɽȈȴȈɰlj ǁȈǼȈɽƃȢ ɽɁɁȢɰ ƃȶǁ ɽljƺȃȶɁȢɁǼȈljɰ ɽɁ ȈȴɥɨɁʤlj ɥɨɁƺljɰɰ ljǹǹȈƺȈljȶƺȈljɰ ƃȶǁ ɁʍɽƺɁȴljɰ • :ɁȶɽȈȶʍlj ɽɁ ƺȃƃȴɥȈɁȶ ɽȃlj AȈǼȈɽƃȢ řljȶǁɁɨ yȈȶƃȶƺȈȶǼ ĀɨɁǼɨƃȴȴlj ծ 9{ ѴӖѴ ɽɁ ƃʍɽɁȴƃɽlj ƺʍɰɽɁȴljɨɰԇ ɰʍƹȴȈɰɰȈɁȶ ɥɨɁƺljɰɰ ȈȶƺȢʍǁȈȶǼ ɽȃlj ɥɨɁƺljɰɰȈȶǼӣ ʤljɨȈǹȈƺƃɽȈɁȶ ɥɨɁƺljɰɰ ƹʰ ɽȃlj 9ƃȶȟ • ƺƺljȢljɨƃɽlj ɽȃlj ĄɁƹɁɽȈƺ ĀɨɁƺljɰɰ ʍɽɁȴƃɽȈɁȶ ӯĄĀ Ӱӗ ljɰɥljƺȈƃȢȢʰ ǹɁɨ ɨljɥɁɨɽ ǼljȶljɨƃɽȈɁȶ Ɂǹ AƃȈȢʰ ɰɰljɽ ĀɁɰȈɽȈɁȶ ɽɁ :KÝԇɰ Ýǹ ǹ Ȉƺlj ƃȶǁ ÃƃȶƃǼljȴljȶɽ :ɁȴȴȈɽɽljlj ӯÃƃȶ:ɁӰ ȴljȴƹljɨɰ KEY INITIATIVES RM 322.3 million RM 7 billion 2.3 % Total Gross Income Total Asset Gross Impaired Ratio ӯѵѳѴѼӖ ĄÃѶѼѶӝѸ ȴȈȢȢȈɁȶӰ ӯѵѳѴѼӖ ĄÃѹӝѹ ƹȈȢȢȈɁȶӰ ӯѵѳѴѼӖ ѵӝѺՐ Ӱ FINANCIAL HIGHLIGHTS Asset Position ӯĄÃԇ ÃȈȢӰ Income Position ӯĄÃԇ ÃȈȢӰ Asset Quality ӯĄÃԇ ÃȈȢӰ ѹӝѺՐ ӸѴѹӝѹՐ ɰɰljɽ {ɨɁɰɰ ȴɥƃȈɨljǁ ĄƃɽȈɁ yljlj 9ƃɰljǁ yʍȶǁ 9ƃɰljǁ 6.99 ‘20 ‘18 ‘19 6.56 6.63 6.99 ‘20 ‘18 ‘19 6.56 6.63 3.0% 2.7% 2.3% 322 ‘20 ‘18 ‘19 394 386 22 23 22
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